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Who We Help

Debt can happen to anyone

There is no clear pattern for how people find themselves in financial difficulty. It can happen to anyone, and it can be a something that slowly develops or happens suddenly through injury or illness, separation or divorce. No matter your age or circumstance, from students to seniors, business owners to unemployed persons; we can help you.

There is no clear pattern for how people find themselves in financial difficulty. It can happen suddenly through injury or illness, separation or divorce, or it can be due to not knowing how to manage your finances effectively.

Whatever the reason, the important thing now is to find out what options are available to you to deal with financial trouble you now find yourself in.

Some of the people we help include:

Business & Corporate Finance

S.R. Stack & Company can help you with a number of solutions, including:

  • Bankruptcy
  • Division | Proposal
  • Informal Arrangements with Creditors
  • Liquidation Plan
  • Receivership

Divorced or Separated Families

Going through a divorce or separation takes an emotional toll but it can also have a significant impact on your finances.

Not only can it be an expensive process but you now have to manage a households’ expenses with only your income to rely on. Often times this can lead to a reliance on credit to help make ends meet.

If you find yourself struggling in a situation similar to this you are not alone and could benefit from having S.R Stack & Company help you eliminate the stress of unmanageable debt. Contact Sean today.

Graduates and Students

Accumulated debts due to education costs adds pressure to a new graduate attempting to obtain an entry level career, S.R. Stack can help you manage and navigate through your debt.

If you student loan debt is over 7 years old (check with Canada Student Loans for confirmation of your end of study date), you may be eligible to have your loan discharged through bankruptcy. This may be the right solution for your current situation, connect with Sean today for your Free Initial Consultation to find out more.

High-income Households

People with high incomes regularly find themselves in financial difficulty by over-spending, not budgeting effectively, or alternatively they have a sales job and income is based on commission, creating an intermittent and sometimes undependable cash flow.

Free Initial Consultation with Sean will help you see how he can help guide you into financial stability.

Individuals with Addictions

Addictive behaviors are crippling and take control of a significant portion of your life; finances are often one of them. Your gambling problem, substance abuse issue, or other addictive behaviors may be having a detrimental impact on your finances.

It is important that while you are getting the help you need to deal with these behaviors, you are also regaining control by dealing with your financial difficulties.

S.R. Stack is here to help you get a fresh start financially, while you’re getting your life back on track.

Canadian Citizens Living and Working Abroad

The ability to work and live abroad has become increasingly attractive and enticing to many. Ensuring that all is taken care of at home in regards to debt management is a crucial part of the journey.

Connect with Sean Stack today and find out if a solution like debt consolidation or a consumer proposal would provide you the advantage you need to get back on track.

Senior Citizens

Often Old Age Security and CCP Payments are not enough to maintain financial obligations such as debt payments along with personal living expenses. With a fixed income, and an increasing cost of living, a common default is to rely on credit by taking out extra loans or additional credit, or by borrowing from family or friends to try to stay afloat.

Sean Stack understands the special circumstances surrounding debt management for seniors. There may be special options and alternatives available to you and your specific situation.

Did You Know?


Many people who file for bankruptcy get to stay in their home.


In Newfoundland and Labrador, you can keep your RRSPs – even if you file for bankruptcy.


Many people who file for bankruptcy are able to keep their vehicle.


Most bankruptcies are NOT published in the newspaper.


Student loans can be included in a bankruptcy if they are more than seven (7) years old.


A consumer proposal is an alternative to bankruptcy that can only be filed with a licensed trustee in bankruptcy.


In NL, people ages 30 to 39 years old file for bankruptcy more than any other age group. [source]